dish protection plan
- Thread starter dan188
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Like all insurance, it is a scam--until you need it. With it no shipping charges (for RMA's) no matter how many times they have to send and receive a box, etc. With it, $15 for on site tech visit vs. $95 without it. ALL Dish equipment is covered including OWNED equipment. Without it, if the owned equipment is beyond the one-year warranty, you get to pay full retail to replace it, but with the insurance, NO CHARGE what-so-ever.
In my case it did pay for itself when my owned boxes broke after the 1 year warranty. Replacement boxes are still considered OWNED. In some cases it may be cheaper to pay the full charges rather than the low monthly rate if one has no problems, but when you do, and if it involves expensive equipment that is not leased, it sure is nice not to have to pull the cash out of the piggy bank. However, if one passes on the insurance, when the time comes one should NOT whine about the full charges and having to pay for shipping (2 times, perhaps) and come up with about $100 out of the ether to fix a problem if they choose NOT to take the extended insurance.
In my case it did pay for itself when my owned boxes broke after the 1 year warranty. Replacement boxes are still considered OWNED. In some cases it may be cheaper to pay the full charges rather than the low monthly rate if one has no problems, but when you do, and if it involves expensive equipment that is not leased, it sure is nice not to have to pull the cash out of the piggy bank. However, if one passes on the insurance, when the time comes one should NOT whine about the full charges and having to pay for shipping (2 times, perhaps) and come up with about $100 out of the ether to fix a problem if they choose NOT to take the extended insurance.
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No. At $72/year you would have to have a tech visit once a year to be ahead. I have been with Dish for almost 14 years. Except for upgrades, I have had only 1 tech visit to repoint my dish after a roofing job. And Matt arranged for that to be free. I've replaced receivers 3 or 4 times at a cost of $15 for shipping. You do the math.......
It will cover power surges.
Here you can read it for yourself.
http://www.dishnetwork.com/downloads/legal/ServicePlan.pdf
I have it.
I have it, pay for it and don't ever think about it. Or have any cost concerns if any of my equipment goes bad. I had a string of 721s flow thru my house. Peace of mind, no big bills coming.
My neighbor's plan is to carry the policy for the first two years then cancel it. Beyond two years he can always cancel his service with Dish and go with Directv for no charge.
I think it's worth it. Extra peace of mind if something ever happens.
Sent from my iPad 2 using the SatelliteGuys App
Sent from my iPad 2 using the SatelliteGuys App
Again, in my case it has saved me over $900 of OWNED equipment beyond 1st year warranty going back to the 721 and beyond over the years replaced at absolutely NO CHARGE and NO SHIPPING costs. I estimate I've paid about $500 in Dish protection over the many years I've had it. "You do the math" (as some posters like to say) on the difference between $900 and $500, and that is how much I am ahead for now. If one has any owned equipment, it beyond pays for itself. My situation is not typical and that is how it works, most people don't come out ahead, but they do get the peace of mind and don't have to find $99 in the sofa to pay for the tech to come out. If one has only leased equipment, well, you have somewhat less risk and it may be cheaper for you to pay all charges as needed rather than the insurance.
The truth is we all pay more than we ever receive with virtually ANY insurance plan or policy. That's why insurance companies are the wealthiest in the world, NOT the oil companies, as insurance companies can legally keep two sets of books.
Anyway, statistically none of us are ever going to come close to receiving, as part of a claim, what we have paid in premiums over several years. Its like a Vegas Casino: the odds are calculated, risk assessed, premiums set, (sometimes no insurance is offered at all for too high a risk, and you are out of luck) sufficient numbers of policy holders calculated along with the proper underwriters who really assume the risk and pay the costs, and pay on claims is LOW, LOW, LOW or with high deductibles and the insurance company NEVER has to pay much to your chagrin or they can even DROP you from the plan when they feel like it or find some phoney baloney reason (usually imprecise info on the forms you filled out) that can give the insurance company a legal way to cancel your policy and NOT have to pay the claim.
Then why do so many of us pay for insurance? In some cases we have no choice as the banks who gave us the loan require it. However, even when we are no longer required to have certain coverage, we pay for it, anyway. Why, because there is always that chance that we will be on the wrong side of the odds and we aren't willing to take that chance even though one can bet a billion dollars that your house will never catch fire and burn to the ground, and one would win that bet. We can become so rich overnight if we just cancel all our insurance, if we have that option. Statistically, you will never have to file a claim, and, in fact, will be denied the claim or be paid rat turds for your totaled car that doesn't even come close to what you paid for the car PLUS what you have paid in premiums to insure it. But, virtually NONE of us take the risk. That is how insurance works.
Now for lease only customers, passing on the Dish insurance may result in relative chump change to paid when things go wrong, but for those with owned equipment, especially DVR's, one must take the Dish insurance at the measly few dollars per month as your owned DVR WILL BREAKDOWN at some point sooner than later.
The truth is we all pay more than we ever receive with virtually ANY insurance plan or policy. That's why insurance companies are the wealthiest in the world, NOT the oil companies, as insurance companies can legally keep two sets of books.
Anyway, statistically none of us are ever going to come close to receiving, as part of a claim, what we have paid in premiums over several years. Its like a Vegas Casino: the odds are calculated, risk assessed, premiums set, (sometimes no insurance is offered at all for too high a risk, and you are out of luck) sufficient numbers of policy holders calculated along with the proper underwriters who really assume the risk and pay the costs, and pay on claims is LOW, LOW, LOW or with high deductibles and the insurance company NEVER has to pay much to your chagrin or they can even DROP you from the plan when they feel like it or find some phoney baloney reason (usually imprecise info on the forms you filled out) that can give the insurance company a legal way to cancel your policy and NOT have to pay the claim.
Then why do so many of us pay for insurance? In some cases we have no choice as the banks who gave us the loan require it. However, even when we are no longer required to have certain coverage, we pay for it, anyway. Why, because there is always that chance that we will be on the wrong side of the odds and we aren't willing to take that chance even though one can bet a billion dollars that your house will never catch fire and burn to the ground, and one would win that bet. We can become so rich overnight if we just cancel all our insurance, if we have that option. Statistically, you will never have to file a claim, and, in fact, will be denied the claim or be paid rat turds for your totaled car that doesn't even come close to what you paid for the car PLUS what you have paid in premiums to insure it. But, virtually NONE of us take the risk. That is how insurance works.
Now for lease only customers, passing on the Dish insurance may result in relative chump change to paid when things go wrong, but for those with owned equipment, especially DVR's, one must take the Dish insurance at the measly few dollars per month as your owned DVR WILL BREAKDOWN at some point sooner than later.
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I have never understood that kind of reasoning. If you don't like your service of course, but as good as Direct TV is, I have no issues with Dish, would not leave over that.
And when do you plan to do that? When your system breaks down and you need a tech to come over? Are we allowed to add it at the time we call for service?
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